Secure Processing

SECURE PROCESSING
Though electronic commerce is continuing to grow at a rapid rate, shoppers are still skeptical about security and have not been quick to trust that personal information, such as a credit card number or address, is safe to send over the Internet.  We are addressing those concerns by offering the latest dimension in online security, Verified By Visa and MasterCard Secure Code, to our merchants using our preferred gateway solutions. 

IdeaOverTen and USA ePay, in conjunction with their partner Cardinal Commerce, now offer merchants the most superior fraud protection programs available to e-commerce merchants: Verified by Visa and MasterCard SecureCode.  With these programs in place, you will receive:

• Guaranteed payment on all Visa consumer card transactions (credit and debit)
• Guaranteed payment on fully authenticated MasterCard transactions (credit and debit)
• Chargeback Blocking for all fraudulent reason codes
• Ability to accept international transactions with guaranteed payment
• Dramatically reduced manual fraud screening efforts

How It Works
Visa and MasterCard have developed fraud protection for online merchants while protecting consumers at the same time. The cardholder can register their card online and assign a password to their card. When a cardholder actively enrolls their card and shops on a participating merchant website, they will be asked to enter their password. When the password is entered, that order cannot be charged back for any fraudulent reason. If the cardholder is not enrolled, the transaction will continue as it normally would. Visa offers “zero-liability’ and still protects you on these transactions. Whereas MasterCard protects only on transactions when the password has been entered (fully authenticated). When the password is approved, the transaction has been fully authenticated, meaning you are guaranteed payment. If declined, the shopper will be asked to re-enter the password or to submit another form of payment.

IdeaOverTen has integrated these programs into our shopping cart software solutions and are available to you at a low monthly cost.  To learn more, contact the IdeaOverTen customer service line at 1.866.864.2836.

Brochures and White Papers
	Visa explains the benefits and features  of the Verified by Visa program in the official letter released to merchants and acquirers. The letter provides proof and assurance directly from Visa toward "complete" chargeback protection. The letter also answers any questions one may have regarding the program.

Click on the PDF File icon above to view the official MasterCard information pamphlet for the MasterCard SecureCode program. It outlines the details and benefits to using SecureCode.

CardinalCommerce offers eCommerce businesses Cardinal Centinel™, the Universal Merchant Platform.  This patented technology enables multiple payment options through one fast, easy and simple installation. By providing a single integration that addresses current and future requirements of each payment type, Centinel eliminates the need to install multiple software solutions.

Thousands of eCommerce businesses worldwide utilize Centinel for easy access to authentication solutions and alternative payment methods, which are key to consumer satisfaction and online growth. The Centinel platform is certified to the industry’s most trusted payment processors, therefore ensuring current authorization messaging for credit cards is not disrupted.

If you are interested in the Verified by Visa and MasterCard SecureCode programs for your credit card processing, please contact our merchant account specialists at 1.866.864.2836 or email us.